IDBI Bank Limited (IN:IDBI)
:IDBI
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IDBI Bank Limited
(IDBI)
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Rating:70Outperform
Price Target:
₹83.00
▼(-27.73% Downside)
Action:UpgradedDate:05/02/26
Overall score is driven by strong financial performance (profitability and margin expansion with improved leverage) and attractive valuation (low P/E and solid dividend yield). These positives are tempered by weaker technicals (below key longer-term moving averages and negative MACD) and noted cash-flow volatility.
Positive Factors
Margin & profitability improvement
Sustained margin expansion and higher operating profitability indicate stronger core banking economics and improved pricing or cost control. Higher margins increase resilience to credit cycles and provide lasting capacity to fund provisions, investment and shareholder returns over the medium term.
Negative Factors
Cash-flow volatility across cycle
Intermittent negative operating/free cash flow and sharp year-to-year swings undermine predictability of liquidity and weaken confidence that profits will consistently fund lending or payouts. Persistent volatility raises funding and capital planning risk over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Margin & profitability improvement
Sustained margin expansion and higher operating profitability indicate stronger core banking economics and improved pricing or cost control. Higher margins increase resilience to credit cycles and provide lasting capacity to fund provisions, investment and shareholder returns over the medium term.
Read all positive factors
IDBI Bank Limited (IDBI) vs. iShares MSCI India ETF (INDA)
Market Cap
₹816.00B
Dividend Yield2.08%
Average Volume (3M)411.24K
Price to Earnings (P/E)7.2
Beta (1Y)1.66
Revenue Growth4.62%
EPS Growth20.74%
CountryIN
Employees17,047
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)8.63
Shares Outstanding10,752,402,000
10 Day Avg. Volume269,403
30 Day Avg. Volume411,239
Financial Highlights & Ratios
PEG Ratio0.35
Price to Book (P/B)0.96
Price to Sales (P/S)1.85
P/FCF Ratio5.72
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
IDBI Bank Limited Business Overview & Revenue Model
Company Description
IDBI Bank Limited provides banking and financial solutions to retail and corporate clients in India. It operates through Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations segments. The company offers savings, curr...
How the Company Makes Money
IDBI primarily earns money through interest income and fee-based income, with its overall profitability also influenced by credit costs and investment/trading results.
1) Net interest income (core banking spread): The largest earnings driver for ...
IDBI Bank Limited Financial Statement Overview
Summary
Income Statement
84
Very Positive
Balance Sheet
72
Positive
Cash Flow
61
Positive
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 336.72B | 356.31B | 322.50B | 294.45B | 241.29B | 220.83B |
| Gross Profit | 132.91B | 212.33B | 179.94B | 172.19B | 149.98B | 129.62B |
| EBITDA | 89.27B | 122.75B | 81.27B | 63.07B | 41.86B | 29.35B |
| Net Income | 92.84B | 92.10B | 76.31B | 57.88B | 37.06B | 25.34B |
Balance Sheet | ||||||
| Total Assets | 4.17T | 4.67T | 4.13T | 3.64T | 3.31T | 3.02T |
| Cash, Cash Equivalents and Short-Term Investments | 317.82B | 569.15B | 444.77B | 260.09B | 293.52B | 102.36B |
| Total Debt | 243.01B | 281.04B | 199.32B | 364.76B | 324.42B | 323.19B |
| Total Liabilities | 3.48T | 3.99T | 3.51T | 3.13T | 2.85T | 2.60T |
| Stockholders Equity | 681.23B | 685.64B | 616.20B | 510.73B | 463.19B | 425.72B |
Cash Flow | ||||||
| Free Cash Flow | -53.56B | 115.48B | 254.46B | 184.21B | -28.95B | -41.27B |
| Operating Cash Flow | -52.07B | 118.76B | 257.96B | 187.33B | -26.01B | -39.32B |
| Investing Cash Flow | 15.75B | -422.41B | -3.44B | -2.22B | -2.94B | -1.95B |
| Financing Cash Flow | -90.64B | 427.84B | -69.90B | 202.58B | -35.65B | -43.83B |
IDBI Bank Limited Technical Analysis
Negative
114.85
Price Trends
92.49
Negative
96.63
Negative
95.54
Negative
Market Momentum
-4.95
Negative
43.39
Neutral
84.59
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:IDBI, the sentiment is Negative. The current price of 114.85 is above the 20-day moving average (MA) of 70.68, above the 50-day MA of 92.49, and above the 200-day MA of 95.54, indicating a neutral trend. The MACD of -4.95 indicates Negative momentum. The RSI at 43.39 is Neutral, neither overbought nor oversold. The STOCH value of 84.59 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:IDBI.
IDBI Bank Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | ₹1.36T | 7.03 | ― | 2.86% | 4.07% | -4.72% | |
75 Outperform | ₹1.22T | 6.69 | ― | 2.66% | 4.68% | 23.02% | |
75 Outperform | ₹1.26T | 6.40 | ― | 2.40% | 10.10% | 2.56% | |
70 Outperform | ₹816.00B | 7.18 | ― | 2.08% | 4.62% | 20.74% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ₹1.27T | 6.95 | ― | 3.15% | -0.57% | 7.81% | |
62 Neutral | ₹1.15T | 9.73 | ― | 2.07% | 8.72% | 3.94% |
* Financial Sector Average
IN:IDBI
IDBI Bank Limited
75.89
-3.33
-4.20%
IN:BANKBARODA
Bank of Baroda
263.50
22.56
9.36%
IN:CANBK
Canara Bank
134.65
40.87
43.58%
IN:INDIANB
Indian Bank
852.95
290.67
51.69%
IN:PNB
Punjab National Bank
109.35
12.75
13.20%
IN:UNIONBANK
Union Bank of India Limited
166.00
43.98
36.04%
IDBI Bank Limited Corporate Events
IDBI Bank Posts 14% Growth in Provisional FY26 Business
Apr 4, 2026
IDBI Bank has reported a strong provisional business performance for the financial year ended March 31, 2026, under regulatory disclosure norms. The bank’s total business rose 14% year-on-year to ₹6,00,536 crore, supported by 12% growt...
IDBI Bank Opens Special One-Year Window for Transfer and Demat of Legacy Physical Shares
Feb 24, 2026
IDBI Bank has announced the opening of a special one-year window, from February 5, 2026 to February 4, 2027, to facilitate the transfer and dematerialisation of physical shares that were sold or purchased prior to April 1, 2019, or earlier transfe...
IDBI Bank Shifts Demat Business to Capital Markets Subsidiary
Feb 21, 2026
IDBI Bank’s board has approved transferring the ownership and management of its existing demat business to its wholly owned subsidiary, IDBI Capital Market Services Ltd., by shifting its NSDL and CDSL depository participant IDs. The unit bei...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.